we'll talk about kohl's later. you go with consumer discretionary and financials that are working. >> like who, give me financials? >> jpmorgan is still strong, i like the regional banks, texas capital bancorp, tcbi. >> are they still cheap given the moves they've had?y region stretched and a component longer term m&a activity and premium priced based just on acquiring the originals. >> you'll get another pop in the market when spain comes, hits their knees and asks for a bailout, and then you'll turn to next year and say you know what? austerity does hurt. the market is going to be doing nothing for next year. this year you buy the financials, derisked from the ecb, derisked from bernanke. we've heard jpmorgan talked today. >> has it hurt from the interest rate environment that we live in, which hurts the banks? >> yes, it has, because everybody knows that. so you'll get some more loan growth. i like aig. >> but as well as fargo surprised us with how bad the environment is from a net interest margin which plays di